← Banking Fintech

Fintech Development

Fintech ecosystem maturity score 0–100 — measuring the quality and availability of digital financial services: neobanks, mobile payments, P2P transfers, digital wallets, and open banking APIs (Findexable Global Fintech Index 2024, Statista Mobile Payments Penetration 2024, CB Insights Fintech funding). Singapore tops globally: home to Grab Financial, Revolut Asia HQ, and over 1,000 fintech firms — the MAS regulatory sandbox is the world's most innovative. United States hosts the most fintech unicorns (Stripe, Chime, Plaid). United Kingdom (London): Revolut, Monzo, Starling, Wise all founded here. Estonia: Wise (formerly TransferWise), Paysera, LHV — remarkable for its size. China: Alipay and WeChat Pay penetration near 100% but inaccessible to most foreigners. Kenya: M-Pesa transformed mobile money globally, scoring high for Africa. Nigeria: Flutterwave, Paystack, PiggyVest — Africa's fintech capital. Countries with near-zero fintech: North Korea, Cuba, Eritrea, South Sudan — no digital financial infrastructure exists.

#↑ Country↕ Raw Value↕ Score↕
1 Singapore98 98 97
2 England92 92 91
3 United States90 90 89
4 Hong Kong88 88 87
5 Estonia85 85 84
5 Netherlands85 85 84
5 China85 85 84
8 Germany82 82 81
8 Korea Republic82 82 81
8 Switzerland82 82 81
11 Lithuania80 80 79
11 Sweden80 80 79
11 France80 80 79
14 Australia78 78 77
14 Luxembourg78 78 77
14 United Arab Emirates78 78 77
17 Ireland75 75 75
17 Denmark75 75 75
17 Norway75 75 75
20 Belgium72 72 72
20 Canada72 72 72
20 Spain72 72 72
20 India72 72 72
20 Chinese Taipei72 72 72
20 New Zealand72 72 72
26 Finland70 70 70
26 Scotland70 70 70
28 Poland68 68 68
28 Israel68 68 68
30 Malta65 65 65
30 Malaysia65 65 65
30 Austria65 65 65
30 Portugal65 65 65
34 Wales62 62 62
34 Brazil62 62 62
34 Monaco62 62 62
34 Gibraltar62 62 62
34 Italy62 62 62
34 Iceland62 62 62
40 Czech Republic60 60 60
41 Latvia58 58 58
41 Northern Ireland58 58 58
41 Saudi Arabia58 58 58
41 Mexico58 58 58
41 Slovenia58 58 58
41 Indonesia58 58 58
41 Japan58 58 58
48 Macau55 55 55
48 Qatar55 55 55
48 South Africa55 55 55
48 Liechtenstein55 55 55
48 Thailand55 55 55
48 Bahrain55 55 55
48 Slovakia55 55 55
48 Georgia55 55 55
48 Turkey55 55 55
48 Philippines55 55 55
58 Nigeria52 52 52
58 Hungary52 52 52
58 Cyprus52 52 52
61 Ukraine50 50 50
61 Romania50 50 50
63 Kenya48 48 48
63 Vietnam48 48 48
63 Croatia48 48 48
63 Greece48 48 48
63 Chile48 48 48
68 Faroe Islands45 45 45
68 Cayman Islands45 45 45
68 Bulgaria45 45 45
68 Panama45 45 45
68 Colombia45 45 45
73 Uruguay42 42 42
73 Bermuda42 42 42
73 Mauritius42 42 42
73 Kazakhstan42 42 42
77 Serbia40 40 40
78 Russia38 38 38
78 Andorra38 38 38
78 Bahamas38 38 38
78 San Marino38 38 38
78 Puerto Rico38 38 38
78 Peru38 38 38
78 Costa Rica38 38 38
85 Argentina35 35 35
85 Armenia35 35 35
87 Kuwait32 32 32
87 Oman32 32 32
87 Rwanda32 32 32
87 Trinidad and Tobago32 32 32
87 U.S. Virgin Islands32 32 32
87 El Salvador32 32 32
93 Jamaica30 30 30
93 Guam30 30 30
95 Maldives28 28 28
95 Seychelles28 28 28
95 Cambodia28 28 28
95 Aruba28 28 28
95 Curacao28 28 28
95 Brunei28 28 28
95 Uzbekistan28 28 28
95 Turks and Caicos Islands28 28 28
95 Jordan28 28 28
95 Barbados28 28 28
95 Moldova28 28 28
95 Morocco28 28 28
95 Azerbaijan28 28 28
95 British Virgin Islands28 28 28
95 Montenegro28 28 28
95 Dominican Republic28 28 28
95 Pakistan28 28 28
95 Ecuador28 28 28
113 Ghana25 25 26
113 French Guiana25 25 26
113 Paraguay25 25 26
113 Réunion25 25 26
113 North Macedonia25 25 26
113 Sint Maarten25 25 26
113 Martinique25 25 26
120 Belarus22 22 23
120 Kosovo22 22 23
120 Namibia22 22 23
120 Egypt22 22 23
120 Sri Lanka22 22 23
120 Bangladesh22 22 23
120 Tunisia22 22 23
120 Tanzania22 22 23
120 Mongolia22 22 23
120 Bosnia and Herzegovina22 22 23
120 Saint-Martin22 22 23
120 Antigua and Barbuda22 22 23
120 Albania22 22 23
120 New Caledonia22 22 23
120 Guatemala22 22 23
120 Guadeloupe22 22 23
136 Ivory Coast20 20 21
136 Belize20 20 21
136 Tahiti20 20 21
136 Anguilla20 20 21
136 Saint Lucia20 20 21
136 Saint Kitts and Nevis20 20 21
142 Senegal18 18 19
142 Botswana18 18 19
142 Guyana18 18 19
142 Uganda18 18 19
142 Honduras18 18 19
142 American Samoa18 18 19
142 Saint Vincent and the Grenadines18 18 19
142 Grenada18 18 19
142 Lebanon18 18 19
142 Fiji18 18 19
142 Kyrgyzstan18 18 19
142 Northern Mariana Islands18 18 19
142 Dominica18 18 19
142 Nepal18 18 19
156 Suriname15 15 16
156 Saint Pierre and Miquelon15 15 16
156 Zambia15 15 16
156 Cape Verde15 15 16
156 Bolivia15 15 16
156 Montserrat15 15 16
156 Nicaragua15 15 16
163 Zimbabwe12 12 13
163 Laos12 12 13
163 Zanzibar12 12 13
163 Ethiopia12 12 13
163 Venezuela12 12 13
163 Mayotte12 12 13
163 Djibouti12 12 13
170 Benin10 10 11
170 Togo10 10 11
170 Gabon10 10 11
170 Swaziland10 10 11
170 Cameroon10 10 11
170 Palau10 10 11
170 Cook Islands10 10 11
170 Samoa10 10 11
170 Myanmar10 10 11
170 Tajikistan10 10 11
170 Bhutan10 10 11
181 Gambia8 8 9
181 Madagascar8 8 9
181 Mali8 8 9
181 Angola8 8 9
181 Congo8 8 9
181 Liberia8 8 9
181 Equatorial Guinea8 8 9
181 Sierra Leone8 8 9
181 Lesotho8 8 9
181 Congo DR8 8 9
181 Marshall Islands8 8 9
181 Iraq8 8 9
181 São Tomé and Príncipe8 8 9
181 Mozambique8 8 9
181 Malawi8 8 9
181 Algeria8 8 9
181 Palestine8 8 9
181 Iran8 8 9
181 Tonga8 8 9
181 Haiti8 8 9
181 Papua New Guinea8 8 9
181 Vanuatu8 8 9
203 Burkina Faso5 5 6
203 Mauritania5 5 6
203 Guinea-Bissau5 5 6
203 Guinea5 5 6
203 Sudan5 5 6
203 Libya5 5 6
203 Nauru5 5 6
203 Somalia5 5 6
203 Burundi5 5 6
203 Kiribati5 5 6
203 Cuba5 5 6
203 Turkmenistan5 5 6
203 Comoros5 5 6
203 Niue5 5 6
203 Wallis and Futuna5 5 6
203 Micronesia5 5 6
203 Timor-Leste5 5 6
203 Solomon Islands5 5 6
221 Syria3 3 4
221 Niger3 3 4
221 Chad3 3 4
221 Central African Republic3 3 4
221 Tuvalu3 3 4
221 Afghanistan3 3 4
227 Yemen2 2 3
227 Western Sahara2 2 3
227 South Sudan2 2 3
227 Eritrea2 2 3
231 Korea DPR1 1 2